Privacy Policy

Two categories of information are collected. The first is information you provide directly: name, contact details, ZIP code and county, household size and tax filing information, estimated household income, dates of birth, tobacco use, the providers and prescriptions you want covered, and any details about existing or offered coverage. This is the information required to compare plans and to prepare or support an application.

The second is technical information collected automatically when you visit, such as pages viewed, approximate location derived from IP address, referring source, and device and browser type. This is used to understand which content is useful and to keep the site working correctly.

Information is collected for the purpose of responding to your request and preparing a coverage comparison. It is not sold to lead aggregators or marketing list brokers.

Health information — conditions, prescriptions, provider relationships — is used to assess whether a plan fits: whether your doctors are in network, whether your medications are on the formulary and at what tier, and whether the benefit design suits your expected use of care.

ACA Marketplace coverage cannot be medically underwritten. Your health history cannot be used to deny you an ACA plan, place you in a different rate, or impose a pre-existing condition exclusion. Health information shared for an ACA comparison is used for plan fit only.

Some products are medically underwritten by the carrier — life insurance, and short-term medical among them. For those, health information you provide in an application is transmitted to the carrier and used in their underwriting process, which may include ordering records or an examination. You will be told when a product is underwritten before an application is submitted.

Information is shared with insurance carriers when needed to prepare a quote or submit an application you have authorized, with the Marketplace or a state exchange when you are applying for coverage or financial assistance through it, and with service providers who operate systems used to run this practice — such as form processing, email, scheduling, and client records — under obligations to protect it.

Information may also be disclosed where required by law, regulation, subpoena, or a request from a state department of insurance or other regulator with authority over licensed producers.

It is not sold or rented for third-party marketing.

You can ask what information is held about you, ask for corrections, ask for deletion, and withdraw consent for marketing contact at any time. Requests can be made using the contact details on this site.

Some limits apply. Records connected to an issued policy or a submitted application are subject to insurance recordkeeping requirements and generally cannot be deleted on request. Withdrawing consent for marketing does not end servicing communications for a policy you hold.

Consent to be contacted by phone, text, or email is given when you provide a phone number or submit a form, and can be withdrawn at any time by asking. Message and data rates may apply to text communication.

This site uses cookies and similar technologies for basic functionality and aggregate analytics. Most browsers let you block or delete cookies, though blocking them may affect how parts of the site work.

Information is retained for as long as needed to provide services and to satisfy insurance recordkeeping, tax, and regulatory requirements, which in some cases means retaining records for several years after a policy ends.

Reasonable administrative and technical measures are used to protect information. No method of transmission or storage is completely secure, which is why sensitive identifiers such as Social Security numbers should be provided through carrier or Marketplace systems rather than by email or a web form.

Insurance is a field with a high volume of fraudulent outreach, largely because the information involved — Social Security numbers, income, health history, banking details — is exactly what identity theft requires. A few habits substantially reduce the risk.

Verify before you share. Any producer asking for personal information should give you their National Producer Number without hesitation, and you can check it in seconds through the national database or your state department of insurance. A refusal or a delay is itself an answer.

Do not provide a Social Security number, a full date of birth for identification, or bank account details through a web form, by email, or by text. Those belong in the carrier's or the Marketplace's own secure application. Legitimate enrollment never requires you to email a Social Security number.

Be sceptical of unsolicited contact claiming to be from Medicare, HealthCare.gov, or a government agency. Those bodies do not generally cold-call to sell plans or to ask for a Social Security number to verify an existing record. Medicare in particular does not call to sell you a plan.

Pressure is a signal. Legitimate enrollment has deadlines but not artificial urgency, and no legitimate offer expires while you are on the phone. If you are being told a plan will be gone in the next few minutes, that is a reason to end the call rather than to decide quickly.

This site is intended for adults seeking insurance coverage and is not directed at children. Information about minors is collected only in the context of a household application — for example, dates of birth for children who need coverage, or details relevant to Florida KidCare or CHIP eligibility — and only from the adult completing the application.

Information is processed in the United States. If you access this site from outside the United States, be aware that United States privacy law differs from the framework you may be accustomed to, and that insurance products described here are available only to residents of states where the appropriate license is held.

Some states grant residents specific rights over personal information, including access, correction, deletion, and the right to opt out of certain sharing. Where those rights apply to you, they can be exercised using the contact details on this site, and you will not be treated differently for exercising them.

Insurance recordkeeping obligations limit some of these rights in practice. Records connected to a submitted application or an issued policy must generally be retained for a period set by regulation, and a deletion request cannot override that requirement.